financialBudyie is a financial planning tool providing indicative calculations and educational information only. Nothing on this platform constitutes financial advice as defined in the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS). All projections are estimates based on inputs you provide and assumptions built into the models. They are not guarantees of future outcomes. Market conditions, legislative changes, and personal circumstances can materially affect any projection.
TAFEMA (Pty) Ltd is the operator of financialBudyie. This platform provides financial planning education tools only and is not a licensed Financial Services Provider under FAIS. Regulatory queries and complaints regarding FSP conduct may be directed to the FSCA at complaints@fsca.co.za or www.fsca.co.za.
TAFEMA (Pty) Ltd shall not be liable for any loss, whether direct, indirect, consequential, or financial, arising from reliance on calculations or projections produced by this platform. Tax calculations are based on published SARS tables effective at the date shown and may not reflect the most recent legislative changes. You are responsible for verifying all tax obligations with a registered tax practitioner before filing any return or making any payment.
The accuracy of all outputs depends entirely on the accuracy of inputs you provide. You are responsible for ensuring that all data entered is correct and up to date. TAFEMA (Pty) Ltd accepts no liability for outputs derived from incorrect or incomplete inputs.
By using this platform you consent to the processing of your personal information as described in our Privacy Notice. Your data is stored externally in a secure database operated by Supabase, and the application is served by Netlify. Both act as operators under POPIA and both are located outside South Africa. No personal information is sent to any artificial intelligence or large language model service. You have the right to access, correct, or delete your personal information at any time by contacting info@tafema.co.za. You may withdraw consent at any time by closing your account.
This platform is intended for use by South African residents and financial advisors operating under FAIS. You may not use this platform for commercial redistribution of calculations, automated scraping, or any purpose that would constitute the rendering of financial advice without FSP authorisation.
All calculation methodologies, user interface designs, branding, and platform content are the intellectual property of TAFEMA (Pty) Ltd. Unauthorised reproduction, redistribution, or commercial use of any part of the platform is prohibited.
These terms are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the exclusive jurisdiction of the South African courts. By creating an account or using the platform you accept these terms in full.